Bareilly Up Central 115100 Kasta Lakhimpur Kasta Lakh

1151000100166277 om rakash
1151001500014546 ashok kumar

Online Registration is Complete.Your user id is BSG008647. Get Rs. 20/Cash Back in PayTM wallet using Code PAYTMPNB20. Visit
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Your have successfully registered yourself for Internet Banking Services.
Please note your User ID for login and click on 'Go to Login Page' button for
using Internet Banking Services

Please note:
1.You can login to Internet banking immediately but to view complete
information about your accounts, it is requested to wait for 24-48 hours as
your Account(s) will be updated in Internet Banking within 24-48 hrs.
Kindly do not share your personal details and password through email, phone,
SMS or otherwise. Bank never asks for such information from its customers.
2014 Punjab National Bank
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Terms & Conditions
NOTICE
Your use of this website constitutes your agreement to be bound by these
TERMS of use. By using this website you signify your assent to these terms of
use. If you do not agree to these terms of use, please do not use the site.

1. DEFINITIONS
In this document the following words and phrases have the meaning set
opposite them unless the context indicates otherwise:

BANK refers to Punjab National Bank, a body corporate constituted in India

under the Banking Companies (Acquisition and Transfer of Undertakings) Act
No. 5 of 1970 and having its Head Office at 7, Bhikhaiji Cama Place, New Delhi
110066 and includes its successors and assigns.
WEBSITE means website of the Bank with URL: http://www.pnbindia.com
and/or http://www.netpnb.com
USER refers to a customer of the BANK authorised to use Internet Banking
Services available on BANK's website with URL:http://www.pnbindia.com
and/or http://www.netpnb.com
'INTERNET BANKING' refers to the Internet banking service offered by BANK
to the user including services such as enquiry about balance in the Account,
details about transactions in the Account(s), statement of Account, transfer of
funds, bill payment and any other service as the BANK may decide to provide
from time to time through Internet.
'Internet Banking Account' refers to the USER's Savings and/ or Current
Account and/ or any other type of account so designated by the BANK to be
eligible account(s) for operations through the use of Internet Banking Channel.
PERSONAL INFORMATION refers to the information about the USER obtained
in connection with the Internet Banking Service.
One Time Password refers to one time 6 digit pass code that would be sent to
the customers mobile number registered with the Bank for SMS Alerts.
TERMS refer to Terms and Conditions for use of Internet Banking Services as
specified in this document.

2. APPLICABILITY OF TERMS
These TERMS form the contract between the USER using the Internet Banking
services and the BANK. The user shall apply to BANK in the prescribed form
for use of Internet Banking. By applying for Internet Banking Services and
accessing the service the USER acknowledges and accepts these TERMS. Any
conditions relating to the accounts of the customer other than these TERMS
will continue to apply except that in the event of any conflict between these
TERMS and the account conditions, these TERMS will continue to prevail.
The agreement shall remain valid until it is replaced by another agreement or
terminated by either party or the account is closed , whichever is earlier.
The user agrees that in the event the user avails of any services offered by
BANK through the website: http://pnbindia.com and/or http://www.netpnb.com,
the user shall be bound by all the terms and conditions stipulated by BANK
pertaining to such services offered by BANK from time to time and availed by
the user through the aforesaid website(s).

3. APPLICATION FOR INTERNET BANKING SERVICES

The BANK may offer Internet Banking Service to selected customers at its
discretion. The customer would need to be a current Internet user or have legal
access to the Internet and knowledge of how the Internet works. The
acceptance of the registration and the acknowledgment thereof does not
automatically imply the acceptance of application for Internet Banking
Services The BANK may advise from time to time the Internet software such as
Browser, which are required for using Internet Banking Services. There will be
no obligation on the part of the BANK to support all the versions of these
Internet softwares and their updates.

4. INTERNET BANKING SERVICES

The BANK shall endeavor to provide to the USER through Internet Banking
services such as inquiry about the balance in his account(s), details about
transactions, Statement of Account, Request for issue of cheque-books,
Request for transfer of funds between accounts of the same USER and many
other facilities as the BANK may decide to provide from time to time. These
facilities shall be offered in a phased manner at the discretion of the BANK.
The Bank at its sole discretion may also make additions/ deletions to the
Internet Banking Services being offered. The availability/ non-availability of a
particular service shall be advised through email, web page of the BANK or
written communication.
The BANK shall take reasonable care to, ensure the security of and prevent
unauthorised access to the Internet Banking Services using technology
reasonably available to the BANK in India.
The USER shall not use or permit to use Internet Banking Service or any
related service for any illegal, fraudulent, dishonest or improper purposes.

5. INTERNET BANKING SERVICE ACCESS

The USER would be allotted a User-id and a secret password (to be used at the
time of login) by the BANK in the first instance. The USER will be required to
mandatory change the password assigned by the BANK on accessing Internet
Banking Services for the first time. For authentication of the transactions a
separate transaction password will be allotted.
As a safety measure the USER shall change the password as frequently
thereafter as possible. In addition to User-id and Password the BANK may, at
its discretion, advise the USER to adopt such other means of authentication
including but not limited to digital certification and/ or smart cards issued by
licensed or approved Certifying Authorities or vendors.

6. USER-ID AND PASSWORD

The USER must:
(a) keep the User-id and password totally confidential and not reveal the
password to any third party;
(b) change the password at the time of first log in;
(c) create a password of at least 6 characters long and shall consist of a mix of
alphabets, numbers and special characters which must not relate to any
readily accessible personal data such as the USER's name, address, telephone
number, vehicle number, driver licence etc. or easily guessable combination of
letters and / or numbers;
(d) commit the user-id and password to memory and not record them in a
written or electronic form; and
(e) Not let any unauthorised person have access to his computer or leave the
computer unattended while using Internet Banking Services.
In the event of forgetting of user-id and/or password or expiry/ disability of
password(s) USER can request for change of the password by sending a
written request to the BANK. The selection of a new password and/ or the
replacement of User-id shall not be construed as the commencement of a new
contract.
The user agrees and acknowledges that BANK shall in no way be held
responsible or liable if the user incurs any loss as a result of compromise of

User-id and password by the user himself or user has failed to follow the
Internet Banking Service instructions as published by the BANK on the
website from time to time. User agrees to fully indemnify and hold harmless
BANK in respect of the same.

DISABLE OF USER ID
Internet Banking Password / User ID shall get locked after a number of
incorrect attempts, up to such number (at present 5 failed attempts) as may be
decided by the Bank from time to time. User ID / password can be enabled
through the branch.

DEACTIVATION OF USER ID
The Bank has the discretion to deactivate a Users Internet Banking ID, if the
same has not been used for a period defined by the Bank. Also the Bank has
the right to deactivate the Internet Banking login of User due to unsatisfactory
behavior in the account.

7. JOINT ACCOUNTS
The Internet Banking Services will be available in case of joint accounts only if
the mode of operation is indicated as 'either or survivor' or 'anyone or
survivor' or 'former or survivor'. For 'former or survivor' account, user-id will
be issued only to the 'former'
For 'either or survivor' and 'anyone or survivor' accounts one user-id will be
issued to one of the joint account holders. The other joint account holder(s)
shall expressly agree with this arrangement and give their consent on the
application form for use of Internet Banking Services.
In case of 'either or survivor' and 'anyone or survivor' accounts if any of the
joint account holder(s) gives 'stopping of operations' instructions for the use
of Internet Banking Service in writing, on any of the Internet Banking Service
-accounts held jointly by them, the Internet Banking Services will be
discontinued for the USER. In case of 'former and survivor' account, such
instructions cannot be issued by other account holder. All transactions arising
from the use of Internet Banking in the joint account shall be binding on all the
joint account holders, jointly and severally notwithstanding that one amongst
such joint account holders only operates the accounts through Internet
Banking Services.

8. ACCOUNTS IN THE NAME OF MINORS

In case of accounts opened for and on behalf of minors, the Internet Banking
facility shall not be made available to the minor. The natural guardian of the
minor shall be permitted to use Internet banking. The natural guardian shall
undertake to give all instructions relating to the operation of the account and
shall also undertake not to reveal the User ID and Password to the minor,
which if done so, will be at the risk and consequences of the guardian and the
Bank shall not be liable for any loss in case the account is operated by the
minor. In such an event, the transaction will be deemed to have been
undertaken by the guardian.

9. REQUIREMENT OF MINIMUM BALANCE

The USER shall maintain, at all times, such minimum balance in Internet
Banking account(s), as the BANK may stipulate from time to time. The BANK

may, at its discretion, levy penal charges for non-maintenance of the minimum
balance. The BANK may withdraw the Internet Banking Services facility, if at
any time the amount of deposit falls short of the required minimum as
aforesaid and/ or if the other charges remain unpaid, without giving any further
notice to the USER and/ or without incurring any liability or responsibility
whatsoever by reason of such withdrawal.

10. CHARGES
The Bank at its discretion from time to time may specify charges for usage of
Internet Banking Services and/or additional charges for selected services,
which will be advised to the USER at the time of opening the account and also
be published on the Web site of the BANK. All out of pocket expenses where
ever applicable will be borne by the user.
The USER/USER and the other account holder(s) (in case of joint accounts)
authorize(s) to recover all charges related to Internet Banking Services as
determined by the BANK from time to time by debiting any of the USER's
account(s) and any of the other joint account holder'(s) account(s). Any further
change in the charges/fees shall be notified on the Bank's website.

11. FUNDS TRANSFER

The USER shall not use or attempt to use Internet Banking Services for funds
transfer - as and when the facility is made available to him, if he has
insufficient funds in his Internet Banking Services account or without a preexisting arrangement with the Bank for the grant of an overdraft facility. The
BANK will endeavor to effect such funds transfer transactions received
through Internet Banking Services provided there are sufficient funds available
in the USER's account.
The BANK shall not be liable for any omission to make all or any of the
payments or for late payments due to circumstances beyond the reasonable
control of the BANK In the event of overdraft created due to
oversight/inadvertently, the USER will be liable to pay the interest on such over
drawn amount, as decided by the BANK from time to time.

A. FUNDS TRANSFER TO OTHER ACCOUNTS/CREDIT CARDS

The User accepts that he/she will be responsible for keying in the correct
account number/other particulars of the beneficiary for the funds transfer
request. In no event, the Bank will be held liable for any erroneous
transactions incurred arising out of or relating to the User entering
wrong/incorrect/incomplete account number, information of the beneficiary
and/or any other particulars.
If funds transfer is made available to the User, it may be used for transfer of
funds between Users own accounts and/or from User account to accounts
belonging to third parties maintained at the Bank and/or accounts maintained
at other Banks. In the eventfunds are transferred in the accounts belonging to
third parties maintained at any other Bank, which falls under the network of
Reserve Bank of India's Electronic Fund Transfer System, the same shall be
governed by the Terms of Service (Terms and Conditions) applicable to
National Electronic Fund Transfer ('NEFT'), Real-Time Gross Settlement
System ('RTGS') and Immediate Payment Service (IMPS) of the Reserve Bank
of India/NPCI.

B. BILL PAYMENTS

The User agrees and accepts the Internet Banking services as provided by the
Bank at his/her requests to carry out his/her bill payments through Internet
Banking services of the Bank as made available to him/her from time to time. If
the bill amount exceeds the maximum limit set up by the User for 'Auto Pay',
the bill will be set for manual payment. The User has to provide correct
identification details as registered with the biller. In case of any change in the
identification details, it is the User's responsibility to register the changes
immediately. Any dispute on bill details will be settled directly by the User with
the Biller and the Bank's responsibility is limited to providing information only.
The User shall make payments at least few* working days prior to the due date
of the bill.
The User further agrees that it shall solely be the User's responsibility to
schedule payments at least few* working days prior to the due date of the bill.
In the event of late payment, the bank will not be liable and the User shall be
liable for late payment charges and other consequence as may be enforced by
the Biller. The User has no objection whatsoever to the billing company
providing his/her billing details to the Bank.
The User unconditionally agrees that he/she shall not hold the Bank liable for:
1. Such transactions that are carried out on his/her instructions by the Bank in
good faith.
2. Not carrying out such instructions where the Bank has reason to believe
(which decision of the Bank he/she shall not question/dispute) that the
instructions are not genuine or are otherwise unclear, improper, vague or
doubtful.
3. Accepting instructions given by any one of the Users in case of joint
accounts.
4. For any loss or damage incurred or suffered by him/her due to any error,
defect, failure or interruption in the provision of bill payment services arising
from or caused by any reason whatsoever.
5. Withdrawing/suspending the facility wholly/partially. However the Bank will
endeavor to notify the User through its website or through any legally
recognized medium of communication or otherwise as found suitable by the
Bank.
The User agrees that the record of instructions given and transactions with the
Bank shall be conclusive proof and binding for all purposes and can be used
as evidence in any proceedings.

6. USER-ID AND PASSWORD

The USER must:

C. MERCHANT PAYMENTS
The Bank provides the facility of payment for transactions executed on
Internet through different sites. The Bank will execute such transactions and
will be responsible for transferring the amount debited from the User's account
to the Service /merchants' account. The Bank shall not be held responsible for
failure of such transactions. In no event shall the Bank be held
responsible/liable for any informational content provided on any such site or
for any deficiency in the services/products offered by such sites.

D. STANDING INSTRUCTIONS/SCHEDULED PAYMENTS

The User can set Standing Instructions or 'Schedule Payments' as on a
required date i.e. the date on which the Users account shall get debited in the
functionality where it is available. If the User wishes to modify / cancel this

'Standing Instruction / Scheduled Payments', the same should be done 1 day

prior to the schedule date.

E. TRANSACTION PROCESSING TIME

Instantaneous Transactions - All the instructions for instantaneous
transactions received before the cut off time of the specified transaction, will
be given effect to instantaneously unless until some processing work or
maintenance activity is being done or some unavoidable circumstances
beyond the control of the Bank occur. E.g.: Fund Transfer, Third Party Fund
Transfer, stop payment etc.

12. AUTHORITY TO THE BANK

Banking transactions in the User's account(s) are permitted through Internet,
only after authentication of the User-id and password of the USER. The USER
(along with the joint account holder, if any) grants express authority to the
BANK for carrying out the banking transactions performed by him through
Internet Banking Services
The BANK shall have no obligation to verify the authenticity of any transaction
received from the USER through Internet Banking Service or purporting to
have been sent by the USER via Internet Banking Services, other than by
means of verification of the User-id and the password. The display or printed
output that is generated by the USER at the time of operation of Internet
Banking Services is a record of the operation of the Internet access and shall
not be construed as the Bank's record of the relative transactions. The Bank's
own records generated by the transactions arising out of the use of the
Internet Banking, including the time the transaction recorded shall be
conclusive proof of the genuineness and accuracy of the transaction and shall
be accepted as conclusive and binding for all purposes.
While BANK shall endeavour to carry out the instructions promptly, it shall not
be responsible for any delay in carrying on the instructions due to any reason
whatsoever, including due to failure of operational systems or any requirement
of law. All transactions arising from the use of Internet Banking Services to
operate a joint account, shall be binding on all the joint account holders,
jointly and severally, notwithstanding that one amongst such joint account
holders only operates the accounts through Internet Banking Services.

13. INSTRUCTIONS
All instructions for Internet Banking shall be given, through computer system
or otherwise as advised by BANK for the purpose, by the user in the manner
indicated by BANK. The user is also responsible for the accuracy and
authenticity of the instructions provided to BANK and the same shall be
considered to be sufficient to operate the Internet Banking. The BANK shall not
be required to independently verify the instructions, and the instruction shall
remain effective till such time the same is countermanded by further
instructions by the user. BANK shall have no liability if it does not or is unable
to stop or prevent the implementation of an instruction, which is subsequently
countermanded.
Where BANK considers the instructions to be inconsistent or contradictory it
may seek clarification from the user before acting on any instruction of the
user or act upon any such instruction as it deems fit. BANK states that it has
no liability or obligation to keep a record of the instructions to provide
information to the user or for verifying user's instructions.

BANK may refuse to comply with the instructions without assigning any
reason and shall not be under any duty to assess the prudence or otherwise of
any instruction and have the right to suspend the operations through the
Internet Banking if it has reason to believe that the user's instructions will lead
or expose to direct or indirect loss or may require an indemnity from the user
before continuing to operate the Internet Banking.
Any instruction, order, direction, request entered using the password of the
user shall be deemed to be an instruction, order, directive, request received
from the user. All instructions, requests, directives, orders, directions, entered
by the user, either electronically or otherwise, are based upon the user's
decisions and are the sole responsibility of the user. The user understands
that entering an instruction, direction, order, request with BANK, either
electronically or otherwise, does not guarantee execution of such instruction,
direction, order or request. BANK shall not be deemed to have received any
instruction, direction, order, request electronically transmitted by the user until
it confirms the receipt of such instruction, direction, order, request.

14. ACCURACY OF INFORMATION

The USER is responsible for the correctness of information supplied to the
BANK through the use of Internet Banking Services or through any other
means such as electronic mail or written communication.
The BANK accepts no liability for the consequences arising out of erroneous
information supplied by the USER. If the USER suspects that there is an error
in the information supplied to the BANK by him, he shall advise the BANK at
the earliest. The BANK will endeavor to correct the error wherever possible on
a 'best efforts' basis. If the USER notices an error in the account information
supplied to him through Internet Banking Service, he shall advise the BANK at
the earliest. The BANK will endeavor to correct the error promptly and adjust
any interest or charges arising out of the error.

15. LIABILITY OF THE USER AND THE BANK

a. The User shall be liable for
i. Non-compliance of Terms of Service (Terms and Conditions) mentioned
herein.
ii. If he/she has breached the Terms of Service (Terms and Conditions) or
contributed or caused the loss by negligent actions such as the following:
In disclosing or failing to take all reasonable steps to prevent disclosure of
the User-id and/or password to anyone including Bank staff and/or failing to
advise the Bank of such disclosure within a reasonable time.
? Not advising the Bank within a reasonable time about unauthorized access
to or erroneous transactions in the account(s) through the Internet Banking
Services.

B. LIABILITIES OF THE BANK

i. The Bank shall not be held liable for any unauthorized transactions in the
account(s) through the use of Internet Banking Services which can be
attributed to the fraudulent or negligent conduct of the User.
ii. The Bank shall not be liable to the account holder(s) for any damages
whatsoever whether such damages are direct, indirect, incidental,
consequential and irrespective of whether any claim is based on investment or
any other loss of any character or nature whatsoever and whether sustained
by the account holder(s) or any other person, if Internet Banking access is not

available in the desired manner for reasons including but not limited to natural
calamity, fire and other natural disasters, legal restraints ,faults in the
telecommunication network or Internet or network failure ,software or
hardware error or any other reasons beyond the control of the Bank.
iii. The Bank shall make endeavor to take all possible steps to maintain
secrecy and confidentiality of its customer account(s)/information but shall not
be liable to the account holder(s) for any damages whatsoever caused on
account of breach of secrecy/confidentiality due to reasons beyond the control
of the Bank.
iv. Bank, for valid reasons, may refuse to execute any instructions placed by
the User.
v. The Bank will in no way be held responsible or liable for delay, failure and/or
untimely delivery of SMS password and/or SMS Alerts due to but not limited to
network congestions, network failure, systems failure or any others reasons
beyond the reasonable control of the Bank or its service provider(s).
vi. Notwithstanding anything contained herein, where Bank has reason to
believe that any transaction or marking of liens, have been fraudulently made
(hereinafter referred to as a 'suspect transaction'), Bank shall be entitled to
withhold payment pertaining to such suspect transaction in accordance with
regulatory laws relating to Money Laundering or otherwise. If Bank determines
after due enquiry and investigation that the transaction is a valid transaction
and not a suspect transaction, Bank shall release such withheld payment
subsequently.

16. DISCLAIMER OF WARRANTIES

The user expressly agrees that use of the website is at its sole risk and cost.
The services offered on the website is provided on an 'as is' and 'as available'
Except as warranted in the TERMS, BANK expressly disclaims all warranties of
any kind, whether express or implied or statutory, including, but not limited to
the implied warranties of merchantability, fitness for a particular purpose, data
accuracy and completeness, and any warranties relating to non-infringement
in Internet Banking.
BANK does not warrant that access to the website and Internet Banking shall
be uninterrupted, timely, secure, or error free nor does it make any warranty as
to the results that may be obtained from the website or use, accuracy or
reliability of Internet Banking. BANK will not be liable for any virus or computer
contaminant that may enter the user's system as a result of the user using
Internet Banking. BANK does not guarantee to the user or any other third party
that Internet Banking would be virus or computer contaminant free.

17. INDEMNITY
In consideration of BANK providing the user the Internet Banking, the user
shall, at his own expense, indemnify and hold BANK, its directors and
employees, representatives, agents and/or sub-agents as the case may be,
indemnified against all losses and expenses on full indemnity basis which
BANK may incur, sustain, suffer or is likely to suffer in connection with BANK
execution of the user's instructions and against all actions, claims, demands,
proceedings, losses, damages, costs, charges and expenses as a
consequence or by reason of providing a service through Internet Banking for
any action taken or omitted to be taken by BANK, its officers, employees,
agents and/or sub-agents on the instructions of the user. The user will pay
BANK such amount as may be determined by BANK to be sufficient to

indemnify it against any such, loss or expenses even though they may not
have arisen or are contingent in nature.
Further, the user agrees, at its own expense, to indemnify, defend and hold
harmless BANK, its directors and employees, representatives, agents, and
sub-agents against any claim, suit, action or other proceeding brought against
BANK, its directors and employees, representatives, agents, and sub-agents
by a third party, to the extent that such claim, suit, action of other proceeding
brought against BANK, its directors and employees, representatives, agents,
and sub-agents is based on or arises in connection with the user of Internet
Banking with reference to:
(i) a violation of the TERMS contained herein by the user;
(ii) any deletions, additions, insertions or alterations to, or any unauthorized
use of, Internet Banking by the user;
(iii) any misrepresentation or breach of representation or warranty made by the
user contained herein; or
(iv) any breach of any covenant or obligation to be performed by the user
hereunder. The user agrees to pay any and all costs, damages and expenses,
including, but not limited to, reasonable attorneys' fees and costs awarded
against it or otherwise incurred by or in connection with or arising from any
such claim, suit, action or proceeding attributable to any such claim.
The user hereby agrees that under no circumstances, BANK's aggregate
liability for claims relating to Internet Banking, whether for breach of in tort
(including but not limited to negligence) shall be limited to the transaction
charges/fees or consideration paid, if any by the user within the previous six
(06) months for Internet Banking, excluding any amount paid towards
transactions.

18. DISCLOSURE OF PERSONAL INFORMATION

The USER agrees that the BANK or its contractors/sub-contractors may hold
and process his PERSONAL INFORMATION on computer, computer network or
otherwise in connection with Internet Banking Services as well as for
statistical analysis and credit scoring. The USER also agrees that the BANK
may disclose, in strict confidence, to other institutions, such PERSONAL
INFORMATION as may be reasonably necessary for reasons inclusive of, but
not limited to, the following:
-for participation in any telecommunication or electronic clearing network
-in compliance with a legal directive
-for credit rating by recognised credit rating agencies
-for fraud prevention purposes
-for prevention of money laundering

19. PROPRIETARY RIGHTS

The USER acknowledges that the software underlying the Internet Banking
Services as well as other Internet related software which are required for
accessing Internet Banking Services are the legal property of the respective
vendors. The permission given by the BANK to access Internet Banking
Services will not convey any proprietary or ownership rights in the above
software. The USER shall not attempt to modify, translate, disassemble,
decompile or reverse engineer the software underlying Internet Banking
Services or create any derivative product based on the software.

20. CHANGE OF TERMS AND CONDITIONS

The BANK has the absolute discretion to amend or supplement any of the
TERMS at any time. The BANK may introduce new services within Internet
Banking Services from time to time. The existence and availability of the new
functions will be notified to the USER as and when they become available. By
using these new services, the USER agrees to be bound by the terms and
conditions applicable. The user shall be responsible for regularly reviewing
these TERMS including amendments thereto as may be posted on the website.
If in the opinion of the user, the changes are to his disadvantage, the user may
at his discretion opt to close the Account and/or discontinue with the Internet
Banking, intimating BANK of the same.

20. NON-TRANSFERABILITY
The grant of facility of Internet Banking Services to a USER is not transferable
under any circumstance and shall be used only by the USER.

21. TERMINATION OF INTERNET BANKING SERVICE

The USER may request for termination of the Internet Banking Services facility
any time by giving a written notice. The USER will remain responsible for any
transactions made on his/her account(s) prior to the time of such cancellation
of the Internet Banking Services. The bank may withdraw the Internet Banking
facility anytime after giving reasonable notice under the circumstances to the
user through the web site. The closure of account by the user will
automatically terminate the Internet Banking Services. The bank may suspend
or terminate the Internet Banking Services without prior notice if the user has
committed breach of any of these terms and conditions or the Bank learns of
the death, bankruptcy, legal incapacity of the user.

22. NOTICES
Notices under these terms and conditions may be given by the Bank and the
user:
Electronically to the mailbox of either party, such notices will be regarded as
being in writing or alternatively by delivering them by hand or by sending them
by post to the user address as per BANK's records and in case of BANK to the
present address mentioned belowOperations Payment and Settlement Division,
Punjab National Bank Office
4th Floor, 5, Sansad Marg
New Delhi-110001
Bank may also publish notices of general nature applicable to all users of
Internet Banking Services on its website such notices will have the same effect
as a notice served individually to each user. The USER is hereby advised that
in the event he chooses to send a notice electronically to the BANK, a true
copy of the same notice shall also be delivered to the BANK's aforementioned
address either by hand or by post. Notice and instructions will be deemed
served 7 days after publication on website or upon receipt in the case of hand
delivery, telegram, telex or facsimile.

23. GOVERNING LAWS AND JURISDICTION

These terms and conditions and/or operations in the accounts of the user
maintained by the bank and/or the use of services provided through Internet
Banking Services shall be governed by the laws of Republic of India. Bank
accepts no liability whatsoever, direct or indirect for non-compliance with the
laws of any country other than Republic of India. The mere fact that Internet
Banking Service can be accessed through Internet by a user from a country
other than India shall not be interpreted to imply that the laws of the said
country govern these terms and conditions and/or the operations in the
accounts of the user through Internet and/or the use of Internet Banking
Services.
The user agrees to abide by prevailing laws in respect of Internet Banking
Services applicable in Republic of India. It is the responsibility of the user to
comply with any regulations prevailing in the country from where he is
accessing the Internet. The Parties hereby agree that any legal action or
proceedings arising out of the TERMS for Internet Banking shall be brought in
the courts, tribunals or forums at New Delhi in India and irrevocably submit
themselves to the jurisdiction of such courts, tribunals or forums.

24. PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS

The copyright, trademarks, logos, slogans and service marks displayed on the
website(s) are registered and unregistered intellectual property rights of Bank
or of respective intellectual property right owners. Nothing contained on the
website(s) should be construed as granting, by implication, estoppel, or
otherwise, any license or right to use any intellectual property displayed on the
website(s) without the written permission of Bank or such third party that may
own the intellectual property displayed on the website(s).
The Bank neither warrants nor represents that the use of materials displayed
on the website(s) by the User will not infringe patent, copyright or any
intellectual property rights or any other rights of third parties not owned by
Bank.
Bank grants the right to access the website(s) to the User and use the Internet
Banking Services in accordance with these Terms. The User acknowledges
that the Services including, but not limited to, text, content, photographs,
video, audio and/or graphics, are either the property of, or used with
permission by, Bank and/or by the content providers and may be protected by
applicable copyrights, trademarks, service marks, international treaties and/or
other proprietary rights and laws of India and other countries, and the
applicable Terms and Conditions.
The User should assume that everything it sees or reads on the website
(collectively referred to as 'content') is copyrighted/ protected by intellectual
property laws unless otherwise provided and may not be used, except as
provided in these Terms, without the prior written permission of Bank or the
relevant copyright owner.
Any breach of the restrictions on use provided in these terms is expressly
prohibited by law, and may result in severe civil and criminal penalties. Bank
shall be entitled to obtain equitable relief (including all damage, direct, indirect,
consequential and exemplary) over and above all other remedies available to
it, to protect its interests therein. The User acknowledges that the software
underlying the Internet Banking Services as well as other Internet related
software which are required for accessing service are the legal property of the
respective vendors. The permission given by Bank to access the Services
shall not convey any patent, copyright and licence, proprietary, trade secret or
ownership rights or other intellectual property rights in the above software

25. FORCE MAJEURE / TECHNICAL DIFFICULTIES

The User specifically agrees to hold Bank harmless from any and all claims,
and agrees that Bank shall not be liable for any loss, actual or perceived,
caused directly or indirectly by government restriction, exchange or market
regulation, war, strike, virus attacks, denial of service attacks, equipment
failure communication line failure, system failure, security failure on the
Internet, unauthorised access, hacking, theft, phishing, or any problem,
technological or otherwise or other conditions beyond Bank's control, that
might prevent User from accessing/operating or Bank from
executing/validating an instruction, order, direction. User further agrees that
the it will not be compensated by Bank for 'lost opportunity' in the form of
notional profits/gains on orders, instructions, directions which could not be
executed.

26. LINKS TO WEBSITES

This website may contain links to other websites operated by other third
parties. Such links are provided for the convenience of the User only and Bank
does not control or endorse such websites, and is not responsible for their
contents. The use of such website is also subject to the terms of use and other
terms and guidelines, if any, contained within each such website. The linked
websites are not under the control of Bank and it is not responsible for the
contents of any linked website or any link contained in a linked website,
advertisements appearing in or Services offered by or any changes or updates
to such websites.

27. AMENDMENTS AND MODIFICATIONS

The Bank has the absolute discretion to amend or supplement these TERMS
herein, by modifying or rescinding any of the existing provisions or conditions
or by adding any new provision or condition, by conspicuously posting notice
of such amendment on the website or by providing written notice to the User.
Continued use of Internet banking Services after such notice will constitute
acknowledgment and acceptance of such amendment.

28. SURVIVAL OF OBLIGATIONS

The obligations of the Parties under these TERMS shall survive the termination
of any Transaction and/or this Agreement.

29. REMEDIES CUMULATIVE

Except as provided in these TERMS, the rights, powers, remedies and
privileges provided in these Terms are cumulative and not exclusive of any
rights, powers, remedies and privileges provided by law.

30. NO WAIVER OF RIGHTS

A failure or delay in exercising any right, power or privilege in respect of these
TERMS will not be presumed to operate as a waiver, and a single or partial
exercise of any right, power or privilege will not be presumed to preclude any
subsequent or further exercise, of that right, power or privilege or the exercise
of any other right, power or privilege.

31. SEVERABILITY
If any provision or condition of these TERMS shall be held to be invalid or
unenforceable by reason of any law, rule, administrative order or judicial
decision by any court, or regulatory or self-regulatory agency or body in India,
such invalidity or unenforceability shall attach only to such provision or
condition. The validity of the remaining provisions and conditions of this
Agreement shall not be affected thereby and these TERMS shall be carried out
as if any such invalid or unenforceable provision or condition was not
contained herein.

32. LEGALITY OF THE TERMS

Bank's performance of these TERMS is subject to existing laws and legal
process, and nothing contained in these TERMS is in derogation of Bank's
right to comply with governmental, court and law enforcement requests or
requirements relating to the use of this website by the User or information
provided gathered by Bank in respect of such use.

33. GENERAL
These TERMS contain BANK's entire arrangement (except as otherwise
expressly provided herein) and supersede and replace any previously made
proposals, representations, understandings and agreements, express or
implied, either oral or in writing between the user and BANK for Internet
Banking. The user acknowledges that it has not relied on any representation
made by BANK or any of its employees or agents and has made its own
independent assessment of Internet Banking. No third party will have any
rights or claims under these TERMS.
Agree

Disagree

2014 Punjab National Bank907089

Terms and Conditions
Information

| Hyperlink policy

| Contact us

| Site Map

| Privacy Policy

| Disclaimer

| Security

| Mobile Banking

Please note:User has to select 7 security questions

Register Security Questionnaire

Welcome MR OM PRAKASH S/O- HIRA LAL .
It is time to register your Security questions and answers, you need to change it right
now. After you have registered for Security questions and answers, you can continue.
Register Security Questionnaire
Please keep these in mind while answering security questions

1. The password cannot consist of all the characters as are in your Username.
For e.g.If your Username is "Bob", then your password cannot be "Bobby".

2. Only letters and digits are not allowed. Atleast one of these should be a
special character. Usually, the character you get when you type in while
keeping the "SHIFT" button pressed along with a number. For e.g. " # (SHIFT
3)".
3. Spaces are not allowed in the password.
Security Questionnaire
1. Who was your childhood hero?
OM PRAKA

2. What was the name of your elementary/primary school?

OM PRAKA

3. What was the first name of your favorite teacher in your final year of high
school?
OM PRAKA

4. What is your current car registration number?

OM PRAKASH4

5. In what year was your mother born?

OM PRAKASH5

6. What was your dream job as a child?

OM PRAKASH6

7. What was the last name of your English favorite teacher?

OM PRAKASH7

8. What was your favorite place to visit as a child?

9. What was the make and model of your first car?
10. What is the name of a college you applied to but didn't attend?
11. What are the last 5 digits of your mobile number?
12. What is the name of your favorite childhood friend?

OMPRAKASHVERMAVILLKEDARIPURPOBIRAMPURD
ISTTLAKHIMPURKHERI
13. What is your mother's (father's) first name?
14. What is the name of the High School you graduated from?
15. What time of the day were you born?
16. What day of the week were you got married?
17. In what city was your high school? (Enter full name of city only)
18. To which city you have travelled first time by air?
19. What was your favorite sport in high school?
20. What was the last name of your favorite teacher?
21. In what city or town was your first job?
22. What is the name of the company of your first job?
23. What was the name of your Maths favorite teacher?
24. What was your favorite movie when you graduated from high school?

25. In what city does your nearest sibling live?

26. Where did you vacation in first year of your job?
27. What month and day is your anniversary? (e.g., January 2)
28. What is the name of the first undergraduate college you attended?
29. What was your childhood nickname?

30. What is the name of the first school you attended?

31. What was the make and model of your favorite car?
32. In what year was your father born?
33. What is your spouse's mother's maiden name?
34. What day of the week were you born?
35. In what city was your mother born? (Enter full name of city only)
36. What is the license plate (registration) of your dad's first car?
37. What year did you graduate from High School?
38. What was the color of your first car?
39. Name the hospital where you born?
40. What is your favorite sport?
41. What is your favorite subject in high school?
42. What is the name of the place your wedding reception was held?
43. What is the name of the first company you worked for?
44. What was the name of your High School?
45. In what city were you married? (Enter full name of city)
46. In what city was your father born? (Enter full name of city only)
47. In what city did you meet your spouse/significant other?
48. What is your favorite color?
49. What is your favorite animal?

50. What was your favorite restaurant in college?

Register

2014 Punjab National Bank

Terms and Conditions
Policy

| Disclaimer

| Hyperlink policy

| Security Information

| Privacy

| Contact us

| Site Map

| Mobile

Banking
447058065: papa ye aapka internet aur mob banking ka user id
BSG008647 aur password omprakash@423 dono ka ek hi hai aur perchi
abhi nahi ayegi to

User Guide for SMS Based Mobile Banking (Manual

SMS Flavor)
Any mobile phone capable of sending and receiving
SMS can be used for SMS Based Mobile Banking. The
user has to create an SMS in the following predefined
format(s) according to the service required by him and
send the same to our fixed number-5607040.
Facilities available:
View account balance
Online Mini Statement(Quick View of last 10
transactions)
Transfer of funds to own accounts (within
PNB)
Generate MMID
IMPS ( Immediate Payment Service) Transfer
of funds to Third Party accounts within PNB as
well as Interbank Fund transfers
Cheque Status inquiry
Stop payment of cheque
Cheque Book request
Changing SMS Password

(*Note: Daily limit for funds transfer using SMS

including through IMPS is Rs. 5000/-)
Steps for using Manual SMS:
The above facilities can be availed by just sending
an SMS from your mobile handset to the fixed
number 5607040. The SMS should be in a
predefined format (table given below). SMS can be
sent only from the Mobile number registered with
PNB for Mobile Banking facility.
Codes for View Only Facility:
Facility

Short
Code

Format of the SMS

Message

Balance
Inquiry

BAL

BAL<space> 16 digit A/C

NUMBER

BAL
015300XXXXXXXXXX

Mini
Statemen
t Inquiry

MINSTMT

MINSTMT <space> 16 digit

A/C NUMBER

MINSTMT
015300XXXXXXXXXX

A/c
Statemen
t Request

STMT

STMT
<space>Month<space> 16
digit A/C NUMBER

STMT
015300XXXXXXXXX

Stop
STPCHQ
payment
of cheque

STPCHQ <space>
CHEQUE NUMBER
<space>16 digit A/C
NUMBER

STPCHQ cccccc
015300XXXXXXXXXX

Cheque
Status
Inquiry

CHQINQ

CHQINQ <space> CHEQUE CHQINQ ccccc

NUMBER <space> 16 digit 015300XXXXXXXXXX
A/C NUMBER

Cheque
book
request

CHKBK

CHKBK
<space>ACCOUNT
NUMBER<space>
MBANKING
USERID<space> NUMBER
OF LEAVES FOR CHEQUE
BOOK

CHKBK
015300XXXXXXXXXX
AAAAAAAAA 20

Change
CHNGPW
SMS
D
Password

CHNGPWD<space>SMS
PASSWORD<space> NEW
SMS PASSWORD

CHNGPWD 2222 3333

( where SMS Password =2222; A/c no. =

015300XXXXXXXXXX; cheque no. =cccccc; User
id=AAAAAA; New SMS PW=3333)
Codes related to Fund Transfer -Facility
Self
Transfe
r of
funds

SLFTRF

SLFTRF <space>FROM
ACCOUNT
NUMBER<space>TO
ACCOUNT
NUMBER<space>AMOUNT

IMPS

Intra bank and Interbank remittance up to Rs. 5000/- per day per
customer

Generat MMID
e 7 digit
MMID

MMID

To
Cancel
MMID

MMIDCANC
EL

MMIDCANCEL

Method
1 for
Fund
Transfe
r

IMPS

IMPS<space>Beneficiary
Mobile No<space>Beneficiary
MMID<space>Amount<space>
IMPS PIN
* IMPS PIN is a seven digit no.
which is combination of 4 digit
SMS password and last 3
digits of Remitters MMID

Method
2 for
Fund

IMPS

IMPS <space>XXXX
<space>Debit Account
No<space> Beneficiary Mobile

Transfe
r

No<space>Beneficiary
MMID<space>Amount

*This facility through SMS is free of charge by the Bank.

However, telecom charges on SMS would be as per
tariff of the telecom service provider.

DECEMBER 21, 2013 RAJU KUMAR

23

You can register mobile number to get SMS Alert of your PNB
Account to get update to your Account through mobile phone.
Today Almost every bank facilitates SMS Alert service to
consumers and register Mobile Number to provide lots of
information through it. Updates like transactions, withdrawal
and deposit in your bank account, Cheque clearance, internet
banking activities loan EMI reminder and more rush to you
through SMS Alert. You have to fill up a form (PNB 1167 ) and
submit it to the PNB Branch where your account exists for this
purpose, but today it can be done on your own. You can get
register your mobile number through ATM and calling
Customer Care also. So here we are describing few steps
which would help you in getting your mobile number to get
SMS Alert of your PNB Account.

Ways
to
get
Mobile
Number
Registered in PNB Account to get SMS
Alert
By visiting any PNB ATM
2. By visiting any branch of PNB bank
3. By calling to the customer care of PNB
bank
1.

Mobile Number Registration through PNB

ATM to get SMS Alert

Firstly you have to go in PNB ATM with

your debit card or ATM Card, and then you
have to insert it in ATM machine.
2. After that you have to put your PIN
number carefully.
3. Then choose the option of mobile number
registration at the screen of ATM machine.
4. Thereafter you have to enter your own
mobile number.
5. Once again you have to enter your own
mobile number for the confirmation that
whether you have enter your mobile
number is right or wrong.
6. At last you have to follow to select your
account type information. After following
these steps your mobile number will be
successively registered.
1.

By Visiting The PNB Branch to Register a Mobile

Number
You can also get your mobile number registered by visiting to
the branch of PNB bank. There you have to fill up a for named

PNB 1167 and submit to the official. After few period of time
they will register you mobile number for SMS Alert Service.
You can download this form from here also: Download PNB
1167 SMS Alert Form

Register a Mobile Number to PNB

Account to Get SMS Alert by Calling
Customer Care
An another easy process is also available to get your mobile
number registered with PNB bank Account to get SMS alerts.
Yous can call to customer care for this.
1. Firstly you have to call to the customer care with your
mobile. The contact number of customer care is 1800-1802222.
2. After that the agent of call centre will authenticate
your ID. Then your request of registration of mobile no. with
PNB bank will be accepted after successfully authentication.
4. After that your mobile number will be successfully
registered with your PNB bank Account.
Cost of SMS Alert Service for PNB Bank Account
However you can get a lot of information through SMS Alert
service of PNB, but you have to pay cost in return. For this
service the bank deducted Rs. 15 in every quarter of a year.
Few people like senior citizens, PNB Staffs, PNB Retired
Staffs, Students are exempted from these fees.
Few Important things to know are you can get SMS alert on
any mobile you have. Because these information are sent
through mobile number, hence there is no condition about
device. You can get your mobile number unregistered also if
you want by submitting an application